Sunday, 18 November 2018,   08 Rabiulawal 1440H
Home Customer Care > Rates & Charges > Fees & Charges


Fees & Charges

 


Deposit

 

BSN GIRO/i, BSN GIRO/i eSaver and BSN Basic Savings/i

Service

Amount

Mini statement request via ATM (applicable for BSN GIRO/i, and BSN GIRO/i eSaver only)

RM0.50 per request

Statement request:

Less than 2 months

Free

More than 2 months

RM1 per request

More than 2 years

RM10 per request

Complete account statement format request validated by BSN Officer

RM10 per request and RM2 for additional page

Dormant Account:

Balance of RM10 and below

Account closed and balance absorbed as charge

Balance above RM10

RM10 yearly

Closing of Account (applicable for BSN Basic Savings/i only):  

Account opened less than 3 months

RM20

Account opened more than 3 months

Free

Closing of Account (applicable for BSN GIRO/i,
BSN GIRO/i Corporate and BSN GIRO/i eSaver):

Account opened less than 6 months

RM20

Account opened more than 6 months

Free

BSN SEDAR

Service

Amount

Closing of Account
(Applicable for account closed before end of contract)

RM5

BSN CHESS

Service

Amount

Closing of Account
(Applicable for account closed before end of contract)

RM5

 


 


Loan / Financing

 

BSN MyRinggit / i

Fees & Charges

Amount

Stamp Duty

As per the Stamp Duty Act 1949 (Revised 1989)

Insurance / Takaful (optional)

May vary based on age, tenure & total loan / Financing.

BSN Cash Shield / Perlindungan Tunai-i (optional)

RM318

Will Fee (if any)

RM500

Wakalah Fee

RM30

BSN MyHome/i

Fees & Charges

Amount

Stamp Duty

As per the Stamp Duty Act 1949 (Revised 1989)

Disbursement Fees

Include but not limited to stamping fees, registration of charge, lodgement and withdrawal of caveats and other related charges like bankruptcy search and land search.

Legal Fees Pertaining to Securities Documentations

All legal fees and incidental expenses in connection with the preparation of the security documents for financing Facility.

Valuation Fee

Valuer fees for preparation of formal valuation report (applicable to completed property only).

Processing Fees

Waived

Wakalah Fee

RM30

BSN MyAuto/i

Fees & Charges

Amount

Stamp Duty

As per the Stamp Duty Act 1949 (Revised 1989)

» RM10 for Hirer's copy of the Hire Purchase/i Agreement.
» RM10 for Guarantor's copy of agreement (if applicable).

BSN Micro/i

Fees & Charges

Amount

Stamp Duty

As per the Stamp Duty Act 1949 (Revised 1989)

Insurance / Takaful (if any)

May vary based on age, tenure & total loan / Financing.

Legal Fees Pertaining to Securities Documentations

All legal fees and incidental expenses in connection with the preparation of the security documents for financing Facility.

 


 

<table style="border: 0px solid #e6e6fa; width: 624px;" border="0" cellspacing="2" cellpadding="2" frame="box" rules="all">
<tbody>
<tr style="background-color: #d73400; height: 25px;" align="center">
<td style="width: 30px;" rowspan="2"><strong><span style="color: #ffffff;">Bil</span></strong></td>
<td style="width: 250px;" rowspan="2"><span style="color: #ffffff;"><strong>Butiran / Perkhidmatan</strong></span>&nbsp;</td>
<td colspan="2"><span style="color: #ffffff;"><strong>Caj</strong></span></td>
</tr>
<tr style="background-color: #d73400; height: 25px;" align="center">
<td style="width: 160px;"><strong><span style="color: #ffffff;">Pembayaran<br />(Organisasi)&nbsp;</span></strong></td>
<td><span style="color: #ffffff;"><strong>Penerimaan<br />(Individu)&nbsp;</strong></span></td>
</tr>
<tr style="height: 25px;">
<td style="text-align: center; ">1</td>
<td>&nbsp;Daripada Kerajaan</td>
<td style="text-align: center; ">&nbsp;Percuma</td>
<td style="text-align: center; ">&nbsp;Percuma&nbsp;</td>
</tr>
<tr style="height: 25px; background-color: #f4f4f4;">
<td style="text-align: center; ">2</td>
<td style="width: 250px;">&nbsp;Daripada Bukan Kerajaan dengan akaun &nbsp;Organisasi</td>
<td style="text-align: center; ">&nbsp;Minuma RM0.50</td>
<td style="text-align: center; ">&nbsp;Percuma&nbsp;</td>
</tr>
<tr style="height: 25px;">
<td style="text-align: center; ">3</td>
<td>&nbsp;Daripada Bukan Kerajaan tanpa akaun Organisasi</td>
<td style="text-align: center; ">&nbsp;Minima RM2.00</td>
<td style="text-align: center; ">&nbsp;Percuma</td>
</tr>
<tr style="height: 25px; background-color: #f4f4f4;">
<td style="text-align: center; ">4</td>
<td>&nbsp;Urusan tidak berjaya kredit ke akaun penerima</td>
<td style="text-align: center; ">&nbsp;Percuma&nbsp;</td>
<td style="text-align: center; ">-&nbsp;</td>
</tr>
<tr style="height: 25px;">
<td style="text-align: center; ">5</td>
<td>&nbsp;Stop Payment dari bukan Kerajaan</td>
<td style="text-align: center; ">&nbsp;RM10.00&nbsp;</td>
<td style="text-align: center; ">-&nbsp;</td>
</tr>
<tr style="height: 25px; background-color: #f4f4f4;">
<td style="text-align: center; ">6</td>
<td>&nbsp;IBG Gaji</td>
<td style="text-align: center; ">&nbsp;RM1.00&nbsp;</td>
<td style="text-align: center; ">-&nbsp;</td>
</tr>
</tbody>
</table>
<h3 style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; font-size: 14px; font-weight: bold; color: #ff6666; font-family: Arial, Verdana, Helvetica, sans-serif; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 15px; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; "><strong>Jadual Caj Produk Auto Debit (FTP)</strong></h3>
<table style="border: 0px solid #e6e6fa; width: 624px;" border="0" cellspacing="2" cellpadding="2" frame="box" rules="all">
<tbody>
<tr style="background-color: #d73400; height: 25px;" align="center">
<td style="width: 30px;" rowspan="2"><strong><span style="color: #ffffff;">Bil</span></strong></td>
<td style="width: 250px;" rowspan="2"><span style="color: #ffffff;"><strong>Butiran / Perkhidmatan</strong></span>&nbsp;</td>
<td colspan="2"><span style="color: #ffffff;"><strong>Caj</strong></span></td>
</tr>
<tr style="background-color: #d73400; height: 25px;" align="center">
<td style="width: 160px;"><strong><span style="color: #ffffff;">Pembayaran<br />(Organisasi)&nbsp;</span></strong></td>
<td><span style="color: #ffffff;"><strong>Penerimaan<br />(Individu)&nbsp;</strong></span></td>
</tr>
<tr style="height: 25px;">
<td style="text-align: center; ">1</td>
<td>&nbsp;Bayaran Individu ke Organisasi (Berjaya Debit)</td>
<td style="text-align: center; ">&nbsp;Minima RM1.00</td>
<td style="text-align: center; ">Percuma&nbsp;</td>
</tr>
<tr style="height: 25px; background-color: #f4f4f4;">
<td style="text-align: center; ">2</td>
<td style="width: 250px;">&nbsp;Baki tidak cukup untuk debit Akaun Pembayar</td>
<td>&nbsp;</td>
<td style="text-align: center; ">Percuma&nbsp;</td>
</tr>
<tr style="height: 25px;">
<td style="text-align: center; ">3</td>
<td>&nbsp;Permohonan Baru</td>
<td>&nbsp;</td>
<td style="text-align: center; ">Minima RM1.00</td>
</tr>
<tr style="height: 25px; background-color: #f4f4f4;">
<td style="text-align: center; ">4</td>
<td>&nbsp;Pembatalan Arahan</td>
<td>&nbsp;&nbsp;</td>
<td style="text-align: center; ">Minima RM1.00&nbsp;</td>
</tr>
</tbody>
</table>


Banking Services

 

Auto Credit Product Charge Table

No.

Detail

Transaction Fee

Deposit Criteria

Payer
(Organization) 

Recipient

BSNeBiz

1

Government

Free

Free

 

2

Non-Government with Corporate Account

> RM0.50 - RM1.00

Free

Minimum Deposit of RM1,000 

RM0.10 - RM0.50

Free

» Minimum Deposit of RM50,000 OR
» Minimum 100 staff salary account OR
» Micro Financing Customer OR
» Customer with Individual / Joint Account using BSN Financing / Loans Facility

 < RM0.10

Free

» Minimum Deposit of RM100,000 OR
» Minimum 200 staff salary account 

3

Non-Government without Corporate Account 

Minimum RM2.00 

Free

 

4

Stop Payment 

RM10.00 

N/A

 

5

Interbank GIRO (IBG)

Minimum RM1.00

N/A

 

Manual

1

Over The Counter / Diskette 

RM10.00 

N/A 

Compulsory with letter of instruction


Auto Debit Product Charge Table

No. Detail / Services  Charge
Recipient
(Organisation) 
Payer 
(Individual) 
1  Individual payment to organisation (Successful  Debit Transaction)  Minimum RM1.00 Free
2  Balance is not enough to account debit payer   Free
3  New Application   Minimum RM1.00
4  Instruction Revoked    Minimum RM1.00 


Miscellaneous

ServiceAmount
Standing Instruction for Payment from Individuals to Third Party (Organisations / Individuals)
For each Standing Instruction
RM1.00
MEPS ATM
Usage of other banks’ card for withdrawal at BSN ATM
RM1.00
MyClear IBG via myBSN RM0.10
IBG Transfer First two transactions RM0.50
Subsequent transactions RM2.00
SMS Alert for Beneficiary RM0.20

 


 


Cards

 

BSN Credit Card Fees & Charges

Item

Description

Annual Fee

» Principal Credit Card - Waived
» Supplementary Credit Card - Waived

Cash Advance Fee

Conventional Card
5% or a minimum of RM10, whichever is higher will be charged on the cash amount withdrawn.

Islamic Card
2.69% of the cash advance amount or minimum of RM12.75 per transaction, whichever is higher.

Credit Card Replacement Fee

» First time replacement shall be free of charge.
» RM50 will be charged for second and subsequent replacement issued.

Sales Draft Retrieval Fee

» Original sales draft – RM15 per copy
» Photocopy of sales draft – RM5 per copy

Additional Credit Card Statement Request Fee

RM5 per monthly statement.

Overseas Transactions Conversion Fee

Transactions conducted outside Malaysia will be converted to Ringgit Malaysia on the date the transaction is received and/or processed. The exchange rate may differ from the rate charged on the date of transaction due to market fluctuation. Exchange rate will be based on the rate determined by Visa International/ Mastercard Worldwide plus an administration cost of 1% plus any transaction fee charged by Visa International/ Mastercard Worldwide.

Credit Card Services Tax

» Principal Credit Card – RM25 annually per card
» Supplementary Credit Card – RM25 annually per card

Late Payment / Compensation Charges

A minimum of RM10 or 1% of total outstanding balance as at statement date (whichever is higher), up to a maximum amount of RM75.

Finance Charges / Management Fee for Cash Advance

18% per annum and calculated on a daily basis from the date the Cash Advance is made until full payment is received and credited into the Credit Card Account.

Minimum Monthly Payment

5% of outstanding balance or a minimum of RM50, whichever is higher.

Interest / Management Fee Free Period (not applicable to Balance Transfer/ Easy Cash/ Cash Advance)

20 days from the statement date, if all retail transactions of the previous month are fully paid by the payment due date.

BSN EasyCash

Tenure

6 months

One time cash advance fee

3.68%

BSN Instalment Pay Plan (based on approved amount and tenure)

Tenure

6 Months

12 Months

24 Months

One-Time Upfront Fee

3%

4%

5%

Finance Charges/ Actual Management Fee For Retail  Transactions

Condition

Government

Private

AIAFAM Visa Platinum

UUM Gold/ Platinum

Classic/Gold/Platinum

Tier  I
First Year Membership
Pay at least minimum payment BY the payment due date.
Second Year Membership and onwards
Pay promptly at least minimum payment BY the payment due date for 12 consecutive months. 

11% p.a.

13.5% p.a.

13.5% p.a.

9.95% p.a.

Tier II
Second Year Membership and onwards
Pay promptly at least minimum payment BY the payment due date for at least 10 months in a 12-month cycle.

13.5% p.a.

16% p.a.

16% p.a.

13.5% p.a.

Tier III
First Year Membership
Pay AFTER the payment due date.
Second Year Membership and onwards
Prompt repayment for less than 10 months in a 12-month cycle.

17.5% p.a.

17.5% p.a.

17.5% p.a.

17.5% p.a.

Condition

TeachersCard

Tier  I
First Year Membership
Pay at least minimum payment BY the payment due date.
Second Year Membership and onwards
Pay promptly at least minimum payment BY the payment due date and payment records for the previous 12 months is 12/12 months. 

8.88% p.a.

Tier II
Second Year Membership and onwards
Pay promptly at least minimum payment BY the payment due date but payment records for the previous 12 months is less than 12/12 months.

9.99% p.a.

Tier III
Pay AFTER the payment due date.

14% p.a.

 

All fees and charges imposed on your Credit Card/-i Account excluding the Late Payment Charges and Finance charge on retail/ cash advance transactions are subject to the Goods and Services Tax (GST) and / or any taxes imposed or will be imposed by the Government of Malaysia or any other competent authority in Malaysia based on the prevailing rate.

 

BSN Debit Card Fees & Charges

Item

Fees / Charges

Annual Fee
Annual fee is chargeable on a yearly basis during the card's anniversary date. Annual Fee will not be imposed to the Cardmember on the year the card is issued.

RM8

New Card Issuance

RM12

Renewal Card

Free

Conversion/Upgrade Card
From ATM Card or BSN Matrix Visa Electron Debit Card or BSN BATMAN Visa Debit Card  to BSN Visa Debit Card.

Free

Card Replacement Fee
For damaged card due to Cardmembers' fault, lost and stolen.

Card Chip Damaged

 

RM12

 

Free

ATM Cash Withdrawal:
Domestic

» BSN ATM
» Other Local Bank's ATM via MEPS
» Other Foreign Bank's ATM via MEPS

International

» ATM Network via VISA PLUS

 

Free
RM1 per withdrawal
RM4  per withdrawal

 

RM12  per withdrawal

ATM Balance Enquiry

Free

Transaction History (latest 2 months)
Internet Banking @ www.mybsn.com.my

Free

Fund Transfer via ATM to MEPS member banks

RM0.50 per transaction

Sales Slip Retrieval Request Fee

RM15 per copy

Conversion Fee for Overseas Transaction

As per conversion rate determined by VISA plus any transaction fee charged by VISA (equivalent to 1%)

Note: All Fees and Charges imposed on your BSN Visa Debit Card are subjected to any taxes imposed or will be imposed by the Government of Malaysia or any other competent authority in Malaysia based on the prevailing rate.